The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,698
−HK$420/mo
▼ 0.25% · 3.875%
HK$6,906
−HK$212/mo
Today · 4.125%
HK$7,118
baseline
▲ 0.50% · 4.625%
HK$7,551
+HK$433/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$14,236/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,451
−HK$403/mo
▼ 0.25% · 3.875%
HK$7,651
−HK$203/mo
Today · 4.125%
HK$7,854
baseline
▲ 0.50% · 4.625%
HK$8,268
+HK$414/mo
Deposit HK$1.47M · loan HK$1.47M · min. income ≈ HK$15,708/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,037
−HK$504/mo
▼ 0.25% · 3.875%
HK$8,287
−HK$254/mo
Today · 4.125%
HK$8,541
baseline
▲ 0.50% · 4.625%
HK$9,061
+HK$520/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$17,082/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,941
−HK$484/mo
▼ 0.25% · 3.875%
HK$9,181
−HK$244/mo
Today · 4.125%
HK$9,425
baseline
▲ 0.50% · 4.625%
HK$9,921
+HK$496/mo
Deposit HK$1.17M · loan HK$1.76M · min. income ≈ HK$18,850/mo (50% DSR)
Upfront cash ≈ HK$1.18M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,377
−HK$588/mo
▼ 0.25% · 3.875%
HK$9,669
−HK$296/mo
Today · 4.125%
HK$9,965
baseline
▲ 0.50% · 4.625%
HK$10,571
+HK$606/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$19,930/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,432
−HK$563/mo
▼ 0.25% · 3.875%
HK$10,711
−HK$284/mo
Today · 4.125%
HK$10,995
baseline
▲ 0.50% · 4.625%
HK$11,575
+HK$580/mo
Deposit HK$881K · loan HK$2.06M · min. income ≈ HK$21,990/mo (50% DSR)
Upfront cash ≈ HK$881K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,056
−HK$756/mo
▼ 0.25% · 3.875%
HK$12,431
−HK$381/mo
Today · 4.125%
HK$12,812
baseline
▲ 0.50% · 4.625%
HK$13,592
+HK$780/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$25,624/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,412
−HK$725/mo
▼ 0.25% · 3.875%
HK$13,772
−HK$365/mo
Today · 4.125%
HK$14,137
baseline
▲ 0.50% · 4.625%
HK$14,882
+HK$745/mo
Deposit HK$294K · loan HK$2.64M · min. income ≈ HK$28,274/mo (50% DSR)
Upfront cash ≈ HK$294K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).